We at TNC APPRAISAL SERVICE INC understand the special needs of a customer in need of appraisal services. While our usual clients understand the appraisal process and standard reporting formats, you as a consumer will get extra service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

For-Sale-by-Owner (FSBO) / Pre-Listing Services

It's very hard to be objective about your own house because you most likely have an emotional attachment to it. Our professional appraisers at TNC APPRAISAL SERVICE INC are objective. We won't just tell you what you want to hear, we will tell you what you need to know. A professional appraisal is very valuable as a negotiating tool once you have an attainable buyer, in addition to helping you set a realistic selling price so your house will attract buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your property's value, and not just you saying how much your house is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an experienced appraiser's value opinion than yours.

Challenging Ocean County's assessment of your property

Let's say you live in a local area that is going down -- your local tax assessor may have your house overvalued. This only means you're probably paying higher taxes than you should be paying. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. Getting an appraisal from TNC APPRAISAL SERVICE INC is your #1 weapon when challenging your property tax assessment.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) eliminated from your mortgage loan is a popular way to save money for homeowners. Once your mortgage loan is down below 80% of the value of your house, in most cases you can apply to a lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We are veterans in helping folks just like you dismiss unwanted and unneeded PMI insurance.

HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may decide to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. This can be bad for your credit score since it may appear as though that credit line is maxed out, and also inconvenient from a cash flow point of view. TNC APPRAISAL SERVICE INC can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Do you need a seasoned appraiser to double-check your appraisal for preciseness, or do you need a second opinion without the expense and delay of waiting for a whole new appraisal? In a field review we'll go out and check the subject and comparables. If you're in a hurry, we'll provide desk review and verify as many facts as we can, using online data sources as well as our own files.

We can also provide you with a retrospective review of any appraisal you may have in your possession. Even though most review work is commissioned by lenders for quality control, homeowners that have reason to believe they've been the victim of mortgage fraud are wise to invest in a second opinion.